About to place a bid on a leasehold apartment in Southampton. The property agents tell me that it is the norm for flats in Southampton to have less than 75 years remaining. I am taking out a mortgage with Virgin. Will the property be mortgageable given that the lease has 69 years unexpired.
Most leasehold conveyancing experts should be able to deal with a lease extension. if you are getting a mortgage then your lender may insist that the lease be extended before competition. Virgin have specific requirements as set out in the UK Finance Lenders’ Handbook in relation to minimum unexpired lease terms. As of 23/5/2026 the requirements read as follows :
I understand that there are debates on Chancel Insurance on online forums. Am I compelled to have this when buying a house in Southampton? or I am told that there is a law dating back centuries that could mean that homeowners residing in a parish church boundary will be compelled to pay for maintenance towards the chancel within the church. Is this suitable for conveyancing in Southampton?
Unless a prior purchase of the house completed after 12 October 2013 you may assume that conveyancing practitioners carrying out conveyancing in Southampton to continue to recommend a chancel search and or insurance against a claim.
Are there restrictive covenants that are commonly identified as part of conveyancing in Southampton?
Restrictive covenants can be picked up when reviewing land registry title as part of the legal transfer of property in Southampton. An 1874 stipulation that was seen was ‘The houses to be erected on the estate are each to be of a uniform elevation in accordance with the drawings to be prepared or approved by the vendor’s surveyor…’
How does conveyancing in Southampton differ for new build properties?
Most buyers of new build premises in Southampton approach us having been asked by the developer to sign contracts and commit to the purchase even before the house is ready to move into. This is because builders in Southampton typically acquire the land, plan the estate and want to get the plots sold off as they are building the properties. Buyers, therefore, will have to exchange contracts without actually seeing the house they are buying. To reduce the chances of losing the property, buyers should instruct conveyancing solicitors as soon as the property is reserved and mortgage applications should be submitted quickly. Due to the fact that it could be several months and even years between exchange of contracts and completion, the mortgage offer may need to be extended. It would be wise to use a lawyer who specialises in new build conveyancing especially if they are accustomed to new build conveyancing in Southampton or who has acted in the same development.
Yesterday I discovered that there is a flying freehold issue on a house I put an offer in two weeks back in what should have been a quick, chain free conveyancing. Southampton is where the house is located. Can you shed any light on this issue?
Flying freeholds in Southampton are not the norm but are more likely to exist in relation to terraced houses. Even where you use a solicitor outside Southampton you would need to get your solicitor to go through the deeds diligently. Your lender may require your conveyancing solicitor to take out an indemnity policy. Some of the more diligent conveyancing solicitors in Southampton may determine that this is not enough and that the deeds be re-written to give you the most up to date legal protection. If so, the next door neighbour also had to sign up to the revised deeds.It is possible that your lender will not accept the situation so the sooner you find out the better. You should also check with your insurance broker as to whether they will insure a flying freehold residence.
How do I search for a Southampton solicitor on the Nottingham Building Society conveyancing panel? I drive a motor bike and am prepared to travel upto 20kilometers to meet the lawyer.
Feel free to make use of the search on this page. Please choose the lender and your location and you will see a number of Southampton conveyancing lawyers locally. We have detailed some Southampton conveyancing firms towards the end of this page and you can call them to check whether they are on the Nottingham Building Society panel